American Express is known for its customer service and generous rewards. Amex has a card for every lifestyle if you are a jetsetter hopping on one plan to the other or you love shopping they have a card for you but you might not be able to use it, since Amex isn’t accepted anywhere. If you are someone who doesn’t like to keep cash in wallet and carry only one card, then Amex isn’t for you, it’s not accepted at many restaurants, fuel stations. It’s getting better but it’s still far from being accepted everywhere. But if that isn’t a deterrent for you look no further, you are going to love your Amex.
Charge Card Vs Credit Card
Before moving ahead it’s important that you know the difference between a charge card and a credit card.
Top Picks
| Best For | Card Name |
| Fuel | No Particular card that’s perfect for fuel |
| Travel | Jet Airways American Express Platinum Credit Card |
| Family | American Express Membership Rewards Credit Card |
| Frequent Spenders | American Express MakeMyTrip Credit Card |
| Premium | American Express Platinum Card |
 | American Express Membership Rewards Credit Card |
Important Points
- Comes with Rs.1000 Joining Fee with 1000 Bonus Reward Points worth Rs. 250 and 4000 Additional Reward Points worth Rs.1000.
- Renewal Benefits comes with Rs.5000 Annual Fee with 5000 Bonus Reward Points worth Rs. 1250.
- Earn 1 Membership Rewards Point for every Rs. 50 spent, except Fuel, Insurance, Utilities and Cash Transactions.
- Reward Points redeemable from a choice of 18 and 24 Karat Gold Collection, loaded with eGift Vouchers, Holiday Offers, and various products from different brands.
Card Details
- Enjoy savings of up to Rs. 5,000 on your travel bookings with MakeMyTrip.com.
- Enjoy up to 20% off every time you dine at select restaurant partners.
- Get 3% cash back at leading fuel stations across India.
- APR (Annual Percentage Rate) is 42%.
Additional Information
- Get 2 Free Supplementary Cards
- Convert your Reward Points into Air Miles and travel to your favourite destinations.
- Payback your spends into Monthly EMIs with AMEX Pay-in-Part facility.
- 24/7 Customer Support
- Be safe with Zero Lost Card Liability
- Contactless payment feature enabled
Benefits
AMEX Membership Rewards Credit Card is rich in terms of Joining Benefits. You get 1000 Reward Points worth Rs. 250 in exchange of 4 transactions of Rs.1000 each, every month. Apart from it, 4000 Reward Points worth Rs. 1000 on Joining and 5000 Reward Points worth Rs. 1250 on First Year Card Renewal. Additionally, other benefits like 20% Discount on Dining and Upto Rs.5,000 Travel Booking offers makes AMEX Membership Reward Credit Card a good run for your money for the first year.
Drawbacks
Aside from the benefits and low annual charges, High-end Eligibility Criteria makes it difficult to consider the card an easy choice. You must have a Personal Annual Income of Rs. 6 Lacs or Above to be able to own the card. Apart from it, Renewal Charges are quite high in exchange of the rewards you get in the Second and subsequent years.
Conclusion
The card proves to be a good choice in the first year, but can become a headache after first year if you can’t get past the renewal charges.
Apply for AMEX Membership Rewards Card
Jet Airways American Express Platinum Credit Card
Important Points
- Jet Airways American Express Platinum Credit Card comes with a Joining Fee of Rs. 5,0000 and carry on to following year with an annual charge of Rs. 10,000.
- Welcome Gift of 10,000 Bonus JPMiles and one-way complimentary Jet Airways Base Fare Waived Domestic Ticket on your first charge, on payment of Annual Fee.
- You can earn 8 JPMiles for every Rs. 150 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions and 16 JPMiles for every Rs. 150 spent for booking revenue tickets on www.jetairways.com.
- Enjoy 5% discount on Base Fare for revenue ticket bookings made on www.jetairways.com.
- APR (Annual Percentage Rate) is 40.2%.
Card Details
- Complimentary visits to 13 Domestic American Express Lounges at 11 cities in India by.
- Enjoy complimentary Priority Pass Membership with the US$99 annual membership fee waived off. Cardmember/accompanied guest has to pay a usage fee of US$ 27 for every visit.
- Enjoy complimentary 3rd/4th night stay on booking 2/3 consecutive nights at the select property of Oberoi Hotels & Resorts.
- Get up to 2 Supplementary Cards at no extra cost.
Additional Information
- You can purchase additional JPMiles at Rs. 1.25 per JPMile.
- All Jet Airways/JetPrivilege Co-brand Card Holders enjoy an extended JPMiles validity from 3 to 5 years (valid up to the 21st quarter).
Benefits
Jet Airways American Express Platinum Card is a best choice AMEX offers in travel credit card category. The card comes with welcome benefit of 10,000 JPMiles worth Rs. 5,000 and a complementary One-way base fare waived Jet Airways ticket on paying a joining fee of Rs. 5,000. Apart from it, you earn 8 JPMiles on every Rs. 150 spent on retail transactions except for fuel, insurance, utilities and cash transactions. Also, you earn 16 JPMiles on every Rs. 150 spent on booking revenue tickets on Jetairways.com. Additionally, you get a chance to earn up to 20 JPMiles on every Rs. 100 spent at EXTRA JPMiles Partner Carzoneren Travel.
Drawbacks
Card becomes slightly heavy on your pocket from 2nd and subsequent years because of the renewal fee of Rs. 10,000 while you only get 5,000 Renewal Bonus JPMiles worth Rs. 2,500 along with a complementary One-way base fare waived Jet Airways ticket
Bottom Line
Card proves to be a great choice in the first year; though, it could be a trouble from 2nd and subsequent years if you doesn’t fly through Jet Airways flights or shop at EXTRA JPMiles Partners.
Best American Express Card for Lifestyle : American Express Platinum Card
Important Points:
- Enjoy complimentary Priority Pass Membership worth US$99 and get unlimited complimentary access to over 700 lounges outside India in over 120 countries. Additionally, Enjoy unlimited complimentary access to 33 airport Lounges across 14 cities In India, including American Express Lounges in Delhi and Mumbai.
- Get two complimentary golf lessons every month at 18 domestic golf courses across 10 cities.
- Enjoy complimentary membership to Shangri-La Golden Circle’s Jade tier, Taj InnerCircle, Starwood Preferred Guest Gold Programme, Club Carlson Gold Elite status and Hertz Gold Plus Rewards.
- Get AMEX Platinum Lodging benefits like Domestic Lodging, Platinum Travel Experiences, and Platinum Cruise Travel Experiences.
- Get AMEX Platinum Protection benefits like Travel Accident Insurance, Travel Inconvenience Insurance, Purchase Protection and Overseas Medical Insurance.
- Enjoy special invites to art soirées, exclusive fashion events, special seats at grand sporting events and more under ‘By Invitation Only’ programme.
- Enjoy complimentary Dining Memberships from Club ITC Culinaire and Taj Epicure Plan.
Benefits
AMEX Platinum Card comes with various premium lifestyle benefits such as access to premium lounges in India and overseas, complimentary memberships to popular hotels, access to golf courses across the country, premium travel and dining benefits. Being it a charge card, gives you relaxation from annual interest rates applicable on card usually.
You earn 1 Membership Rewards Point for every Rs. 40 spent on your purchases except fuel, insurance, utility bills and cash transactions.You also earn 5 Membership Rewards Points on every Rs. 40 spent on Grocery purchases from Grofers under EXTRA Rewards Partners programme.
Drawbacks
The card comes with a very high annual fee equal to Rs. 60,000
Bottom Line
AMEX Platinum Card is for elite credit cardholders, who spends a huge amount on luxury and lifestyle privileges monthly.
Eligibility Criteria to own an AMEX Credit Card
- Must have a Personal Annual Income of Rs.4.5 Lacs to own an AMEX Card.
- If Self-Employed, your company has been trading for more than 12 months.
- Should have a good credit history and no payment defaults.
- Must be over 18 years or older.
- Must have a permanent residential address in India.
- Must have an Indian or multinational bank’s savings or current account in India.
- Must not have filed for bankruptcy in the past 7 years.
Documentation Required for AMEX Credit Cards
- Recent passport size photograph
- Permanent Account Number (PAN)
One Single Proof for Identity And Address
- Be it a Driving License, Passport Copy, Voter’s ID Card or Aadhar Card (UIDAI).
Separate Proof for Identity And Address
- PAN / Marriage Certificate (In the event of change of name of the applicant due to marriage or otherwise, a marriage certificate issued by a State Government/Gazette Notification will be acceptable to evidence the changed name).
- A declaration by a close relative e.g. husband, wife, son, daughter and parents, etc. of the prospect.
In Certain cases, given below documents are acceptable for Address Proof
- Utility bill which is not more than two months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill).
- Property or Municipal tax receipt
- Bank account or Post Office savings bank account statement.
- Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, if they contain the address
- Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies. Similarly, leave and license agreements with such employers allotting official accommodation
- Documents issued by Government departments of foreign jurisdiction and letter issued by Foreign Embassy or Mission in India.
Reward – Earn & Burn
| Credit Card | Reward Points | Accelerated Reward Points | Welcome Bonus Points | Renewal Bonus Points |
| American Express® Platinum Reserve Credit Card | 1 Membership Rewards® Point for every Rs. 50 | 20X Bonus Membership Rewards Points at Membership Rewards partner outlets | 11,000 Welcome Bonus Membership Rewards Points. | Not Applicable |
| American Express Membership Rewards® Credit Card | 1 Membership Rewards® Point for every Rs. 50 | 1000 Membership Rewards Point for every month. 1,000 Bonus Membership Reward Points for the first Standing Instruction | 4,000 Welcome Bonus Membership Rewards Points. | 5,000 Membership Rewards Points upon First Year Card Renewal |
| American Express® Platinum Travel Credit Card | 1 Membership Rewards® Point for every Rs. 50 | Upto 10,000 Spend Milestone Bonus Membership Rewards Points 20X Bonus Membership Rewards Points at Membership Rewards partner outlets | 5,000 Welcome Bonus Membership Rewards Points. | Not Applicable |
| Jet Airways American Express® Platinum Credit Card | 8 JPMiles for every Rs. 150 spent | Earn 2X JPMiles for every Rs. 150 spent on on www.jetairways.com 20X Bonus Membership Rewards Points at Membership Rewards partner outlets | 10,000 Welcome Bonus JPMiles | Not Applicable |
| American Express® MakeMyTrip Credit Card | 2 PAYBACK Points for every Rs. 100 spent | Upto 5 PAYBACK Points for every Rs. 100 spent on Makemytrip.com Multiple PAYBACK Points on spending at over 50 PAYBACK Partner Brands | Not Applicable | Not Applicable |
| American Express PAYBACK® Credit Card | 3 PAYBACK Points for every Rs. 100 spent | Multiple PAYBACK Points on spending at over 50 PAYBACK Partner Brands | 900 Bonus PAYBACK Points on spending Rs. 15,000 within 60 days of Card approval | Not Applicable |
American Express Credit Card Bill Payment
Paying Your AMEX Credit Card Bill Payment using NEFT:
- Login to your Internet Banking Service of your bank account.
- Enter “American Express Card” in the Payee Name.
- Enter Your American Express 15 Digit Credit Card number in Payee Account Number.
- Enter “Standard Chartered Bank” in place of the bank name.
- Choose “Current Account” in Payee Account Type.
- Enter IFSC Code “SCBL0036020” in IFSC Code area (In case you are making a payment via Standard Chartered Online Banking, the IFSC code is not required. You may simply select the option ‘Transfer to another SCB bank account’ to process the payment).
- Enter your Bank Branch Address.
- Choose “American Express Card” in Payneed Name field when paying through NEFT.
Note: Initiate your funds transfer before 4 PM for next day credit to your American Express Card excluding Sunday and Banking Holidays.
Paying Your AMEX Credit Card Bill Payment using BillDesk:
- Click here to go the American Express Credit Card Billdesk.
- Enter your 15 Digit AMEX Credit Card Number in front of “AMERICAN EXPRESS CARD NO.”
- Enter the amount in Indian Rupees in front of “PAYMENT AMOUNT (Rs.)”.
- Choose your Bank Account from the drop-down menu from which you want to pay the bill.
- Click on “Process To Pay”.
- Confirm the payment amount and you’ll get a “SUCCESS” message on payment acknowledgement screen if payment is successful.
- In case you do not get a Transaction “SUCCESS” message and the amount gets debited from your Bank Account, kindly check the payment status after 1-2 business days by logging onto your American Express Card Account online.
Paying Your AMEX Credit Card Bill Payment using Recurring Direct Debit/NACH:
- Enrol for Direct Debit by filling out the American Express NACH Enrollment Form.
- Once you have successfully enroll for American Express NACH services, each month American Express will deduct the total amount due or minimum due (as specified in the enrolment form) from your nominated account via the National Payment Corporation Of India’s National Automated Clearing House.
Paying Your AMEX Credit Card Bill Payment by Cheque / Draft:
- Write a Cheque or Draft in the name of “AEBC Card No. 37XX XXXXXX XXXXX”.
- Find the nearest Dropbox location and drop the Cheque / Draft at the dropbox.
Check the list of cities below.
- Ahmedabad
- Chandigarh
- Bangalore
- Mumbai
- Gurgaon
- Delhi
- Chennai
Paying Your AMEX Credit Card Bill Payment by sending Cheque / Draft through Courier Service:
- Write a Cheque / Draft in favour of “AEBC Card No. 37XX XXXXXX XXXXX“.
- Send it to the following address, “American Express Banking Corp. Cyber City, Tower ‘C’, DLF Building No. 8, Sector 25, DLF City Phase II, Gurgaon-122002, Haryana”.
Note: The Cheque / Draft needs to be received at American Express at least 4 working days prior to the payment due date to ensure timely credit to your card account and avoid levy of penal charges.
How To Apply for an American Express Credit Card?
- You can choose a suitable American Express Credit Card above.
- Fill the Online Application Form. It will only take 10 minutes. You’ll be asked to provide the details for your Address, Contact, Income, Employer Details, Educational Qualifications.
- Once the application form is submitted successfully, you will then receive confirmation that AMEX have received your application.
- You will need to send your documents to AMEX to prove your legal status and identity.
Note: Application processing typically takes 2-3 weeks from submission. You will be notified directly upon approval or denial of your Credit Card application.
FAQs –
How do I apply for the American Express Card online?
Applying for The American Express Credit Card is quite easy, all you need is to click here https://www.americanexpressindia.co.in/. While you are filling up the form, your address, income, and bank details are some of the key details you need to provide. Subsequently, you will receive confirmation that your application has been received. The documents are required to ensure your legal status and identity.
What cards do you offer in India?
The American Express offers Corporate Cards, Personal Cards, and Gift Cards. Personal Cards can be Charge Cards or Credit Cards.
How long does it take to obtain an American Express Credit Card?
Once you have submitted your application form along with all the relevant documents, it may take 4 weeks to process the application.
Do you offer Additional Cards on accounts?
Yes, American Express does offer Additional Cards (Supplementary Card) linked to your Primary Card.
How do I report a lost, stolen, or damaged card?
In case, you want to report your stolen or lost a credit card, make sure you dial American Express Credit Card Customer Care Number. Well, if your card is damaged, you can go for Card replacement. You need to log into your American Express Account online and make a selection for the option of “Request Card Replacement” and you will find this under “Manage Your Account Section”.
What type of services do you offer in your online services?
Online services offered by The American Express include –
- Checking your account balance
- Viewing/downloading previous card statements
- Checking and redeeming your Membership Reward points
Managing your account and using the self-service options such as –
- Disputing charge of a fee.
- Requesting card replacement.
- Changing a direct debit option.
- Changing contact details.
- Customer privacy choice.
- Changing a direct debit option.
- Disputing a merchant transaction.
- Choosing your card alert preference.
- Statement delivery options.
How do I register for an online services account?
You can register anytime for your account and while sitting in any part of the world. Registering for an online service is free and swift. All you need is to follow three simple steps, make sure you have your card with you while you are registering –
Step 1 – Create a user ID and password.
Step 2 – Enter your card number.
Step 3 – Provide security details.
Can I request for a reprint of previous card statements?
Yes, you have the provision of reprinting your previous card statements. You can also have a look at your duplicate statements through your American Express account online. You don’t have to pay anything for this service and you also have access to the official copies of your statements.